Be a Proud Home Owner!
At Grihum Housing Finance Limited, we recognise that owning a home is not just a dream; it's a significant milestone in your life. With this understanding, we've crafted our Home Loan schemes to transform your vision into reality, ensuring a seamless and delightful experience throughout your homeownership journey. Uncover our diverse product portfolio, featuring customised and affordable housing loan solutions with Grihum, designed to meet the unique needs of aspiring homeowners across various segments.
Already have a Home Loan?
With Grihum Housing Finance, you have the flexibility to top up your loan
amount, financing various needs seamlessly. Additionally, you can transfer your loan balance to us and
enjoy lower monthly EMIs, making your existing financial commitments more manageable.
Our feature-rich Home Loan schemes which are designed for a seamless and pleasant experience.
Top-Up Loan
Flexible Repayment Tenure
Minimum Documentation
Fast and Transparent Loan Procedure
Attractive Interest Rates
End-to-End Doorstep Service
Embarking on the journey to homeownership should be exciting, not burdensome.
At Grihum Housing Finance, we've simplified our Home Loan eligibility criteria to ensure that your dream home is within reach.
| Salaried Individuals | Self-Employed Individuals | Firm / Company | |
| Eligible Borrowers | Government / Semi-Government / PSU / Private and MNC companies / Proprietorship or Partnership firms |
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Partnership or Private Limited companies engaged in Manufacturing, Servicing or Trading |
| Age | The minimum age of the applicant at the time of loan application should be 21 years and a maximum of 65 years or the retirement age, whichever is lower. | The minimum age of the applicant at the time of loan application should be 21 years and a maximum of 65 years or the retirement age, whichever is lower. | The minimum age of the Proprietor / Key Partner / Key Director at the time of loan application should be 25 years and a maximum of 65 years or the retirement age, whichever is lower. |
| Income | Net monthly take-home salary should be a minimum ₹ 20,000. | Gross annual income should be a minimum ₹ 3 Lakh | Annual turnover should be a minimum ₹ 10 Lakhs |
| Experience / Vintage | Minimum One year | Minimum Two years in current Business or Profession | Business stability / Vintage of minimum 3 years |
| Citizenship | Individuals with Indian Citizenship | Individuals with Indian Citizenship | Proprietor / Partners / Directors with Indian Citizenship |
| Salaried Individuals | Self-Employed Individuals | Firm / Company | |
| Identity Documents |
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| Address Proof |
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| Income Documents |
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| Bank Account Statement | Last 6 months’ bank statement evidencing salary credits | Operative bank account statement for last 6 months | Operative bank account statement for last 6 months |
| Property Documents | Property documents along with legal & technical clearance of the property | ||
Understanding the financial aspects of your Home Loan is essential.
We believe in complete transparency and affordability, ensuring that your homeownership journey is smooth and stress-free.
Competitive Interest Rates for Your Comfort
Flexible Foreclosure Charges
Transparent Processing Fee
Comprehensive Information
We welcome you to buy your dream home with our Home Loan offering! At Grihum Housing Finance, we understand your precise needs and bring you the best home loan offering.
Fulfil your dream of owning a home with Grihum Housing Finance Home Loans, starting from ₹5 Lakhs at an attractive interest rate and with tenure up to 30 years. We offer simple Home Loan eligibility criteria, a hassle-free application process, and minimal documentation for quick loan disbursal. Apply now and enjoy the benefit of exclusive end-to-end doorstep assistance and longer tenure at zero hidden charges.
So, take a step forward towards buying your dream home with Grihum Housing Finance. To apply now all you have to do is provide us with the details and we will provide you doorstep assistance. Our tailor-made Home Loans can be availed by salaried or self-employed individuals. Non-Individuals like Firms / Societies or Trust LLP / Private Limited / Limited companies can also apply for a Home Loan with us. This loan can be availed for buying residential units, which are fully constructed new properties, under-construction properties or resale property. The loan can also be availed for self-construction of residential units. With Grihum Housing Finance Home Loans, you can do more than just buying a home!
Already have an existing Home Loan? With Grihum Housing Finance, you can get a Top-Up on your loan amount and finance your every need, or you can even transfer your loan balance to us and enjoy lower monthly EMIs.
A home loan is a secured loan/credit option provided for housing purposes like purchase, construction, extension, or renovation of residential property. The loan eligibility largely depends upon several factors like employment, annual income, credit score, and more. Post verification of your eligibility and property documents, the loan is disbursed. Then, your Equated Monthly Instalment (EMI) will start for the availed home loan repayment. A home loan is said to be closed when the principal and interest component is completely paid off by the borrower either until the end of loan tenure or by way of prepayment.
a. You can apply for our Home Loan through a simple and hassle-free online application:
b. You can call us on our Toll-Free Number 1800-266-3204 and talk to our representative for personal assistance.
c. Or you can visit us at our branch near you, click here to locate the address.
We provide home loans starting from ₹ 5 Lakhs onwards.
Yes, you can renovate, modify or make improvements to your house with our Home Loan offering.
With Grihum Housing Finance Home Loans, you can do more than just buying a home! We provide loans for self-construction of Bungalows / Independent Houses, purchase of new Houses / Flat / Villas, or for purchases of re-sale Houses / Flats / Villas / Bungalows. You can also avail of our home loan for flat extension/renovation/improvement.
Yes, if you’ve opted for the old tax regime, your home loan is eligible for tax deductions under section 80C. You can claim a deduction of up to ₹ 2 Lakh and up to ₹ 1.5 Lakh for principal repayment.
Our home loan offering come with affordable interest rates Starting from 9.0% p.a.
To calculate easy monthly instalments for the home loan amount you want to apply, you can use our simple and effective Home Loan EMI Calculator. All you need to do is enter these 3 important components:
a. Home Loan Amount
b. Loan Repayment Tenure
c. Interest rate
At Grihum Housing Finance, we offer you longer loan repayment tenure of up to 30 years.
There is no stated obligation for the applicant to take property insurance. But it is highly recommended, as buying home loan insurance offers security that covers the loan borrower’s outstanding loan liability if he/she dies during the loan repayment term.
To get your home loan statement or if you have any other query, you can drop an email at customercare@grihumhousing.com or call us on 1800-266-3204. Our Customer Care support team is just a call away for all your needs with regards to your loan with us.
Yes, we do provide a Top Up Loan to our existing customers, allowing them to borrow a certain amount over and above their existing home loan with the benefit of attractive interest rates and longer tenures.
As we provide Home Loan for salaried individual, self employed individuals and companies, you can check the complete list of documents required as per your applicant category in our Eligibility and Documents section.
We have different eligibility criteria for salaried individuals, self-employed individuals, and firms / companies. To know and understand your eligibility criteria, please refer to our Eligibility and Documents.
To know if you are eligible for Grihum Housing Finance Home Loan offering, refer to our Eligibility and Documents. section. You can contact us on our Toll-Free Number 1800-266-3204 or visit our nearest branch for personal assistance.
We provide Home Loan for salaried individuals, self-employed individuals, and companies Starting from 9.0% p.a. To know the detailed eligibility criteria as per your applicant category, kindly click and refer our Eligibility and Documents section. You can also enjoy the advantage of lower monthly payments by transferring your outstanding home loan availed from other banks/financial institutions to Grihum Housing Finance.
Our Home Loans are designed to cater to a wide range of housing needs of our customers, be it the purchase of residential construction / under-construction projects, extension, or renovation of property. Finance your housing dream with our home loans involving quick processing and unmatched benefits such as:
Yes, you can avail Grihum Housing Finance Home Loan with a co-applicant who can be your immediate family member. This helps to make you eligible for a significantly higher loan amount while sharing the loan repayment and availing higher tax benefits.
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